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Hurricane, Flood and Wind Insurance for Storms in Texas

Is there hurricane insurance in Texas?

In Texas, damage from hurricane force winds or wind-driven rain or debris is covered under either a standard homeowners insurance policy or a Texas Windstorm Insurance Association policy, depending on where you live. If you live in 14 specific Texas gulf coast counties and a portion of Harris county, a Texas Windstorm Insurance Association policy will cover your wind and hail damage.

For everywhere else in Texas, a standard homeowners insurance policy will typically cover hurricane wind, rain, and debris. Hurricane-related flooding, however, is specifically excluded from homeowners policies and Texas Windstorm Insurance Association policies. Flood insurance for the vast majority of home and business owners must be obtained by a separate flood insurance policy.